NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNEMENT AGENCY.

Ray Castaldi, CLU, ChFCPresident-Castaldi Financial Solutions

2

Strategy #1:Know where you stand today

Income

Expenses

Assets & Income

Liabilities

Where does money go?

3

Strategy #1

Assets

Liabilities

Total net worth

Are you happy with this picture?

4

Strategy #2:Be prepared for emergencies

FinancialFinancial emergencies

MedicalMedical emergencies

PersonalPersonal emergencies

Don’t wait until there’s a crisis

5

Strategy #2

Make life simpler for yourself. Complete these worksheets and keep them

updated and easily located.

6

Strategy #3:Insure for the unexpected

How much? Consider 5 to 7 times your annual income

Don’t forget to insure a stay-at-home spouse

Different life insurance for people’s needs and budgets

Disability and long-term care

Most people need life insurance

7

70%

Strategy #4:Create a will and estate plan

70% don’t have one1

Put your wishes in writing

Determine who will inherit what

Name a guardian for your children

Name the executor of your estate

1 www.rolo.com.

Most people need a will.

70% of people do not

have a will

8

Estate planning is more than just taxes

Protects your assets during your lifetime and distribute them properly when you die

Not just for the wealthy! Make sure you consider:

Family members with special needs Divorced Remarried Stepchildren Etc.

9

Estate planning helps:

Minimize death expenses

Avoid death taxes

Deliver assets to the proper people

Help a business to survive

Ease the burden on your heirs

Name a guardian for yourself, should you become incapacitated

10

Strategy #5:Reduce debt

Average household debt in the U.S., excluding mortgage debt, is about $14,5001

Americans have never paid more in interest than today — 15% of their disposable income!2

The average American household had about $9,300 worth of credit card debt2

23% of Americans admit to maxing out a credit card1

About 60% of active credit card accounts are not paid off monthly1

1 www.bankrate.com, 3/1/06. 2 U.S. Senate Banking Committee on Banking, Housing and Urban Affairs, 1/07.

Do you know how much debt you currently carry?

11

Strategy #5

The average interest rate on standard credit cards is 14.6%1

Money in the bank earns 1%–2%1

Make controlling spending a priority

Average personal saving rate2

1 www.bankrate.com, 3/07. 2 U.S. Federal Reserve Bank of San Francisco, 11/05.

9.0%

5.2%

1.9%

0%

3%

6%

9%

12

Strategy #5

All debt is not created equal some debt, like mortgages, is considered good

Low interest rates can let you pay less!

Consider refinancing and consolidating college loans, if applicable

Federal Housing Financing Board, 2/07.

Home Mortgage Rates, 1999 – 2008

5.29

6.106.146.27

5.75

5.886.05

7.077.38

7.91

5.00

6.00

7.00

8.00

9.00

12/0812/08

13

$0

$1

$10

$100

$1,000

$10,000

1925 1930 1935 1940 1945 1950 1955 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005

Stocks

Corporate bonds

Government bonds

Inflation

Growth of $1 over time, 1925-2008

Source: ENCORR Software, © 2008 Morningstar, Inc. All rights reserved. Used with permission. This information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Stocks are represented by the Standard & Poor’s 500 Stock Index, an unmanaged, commonly used measure of common stock total return performance. It is composed of 500 widely held common stocks listed on the NYSE, AMEX and OTC markets. Corporate bonds are represented by the Ibbotson U.S. Long-Term Corporate Bond Index, an unmanaged index representing long-term high-grade corporate bonds, with at least 10 years to maturity. Long-term government bonds are represented by the Ibbotson U.S. Long-Term Government Bond Index, an unmanaged index of public organizations of the U.S Treasury with at least 10 years to maturity. Inflation is measured by the Consumer Price Index published by the U.S. Bureau of Labor Statistics. Past performance is not a guarantee of future results.

Strategy #6:Invest for the long term

14

The best time to invest is when the market is open.

~ Warren Buffet

15

“October. This is one of the peculiarly dangerous months to speculate in dangerous months to speculate in stocksstocks. The others are July, January, September, April, November, May, March, June, December, August and February.

~ Mark Twain

16

Investment considerations

Your objectives

Time frame

Risk/reward potential

Tax implications

Stocks

Bonds

Mutual funds

17

What is a stock?

A stock represents a share of ownership in a corporation, also referred to as equity.

Pizza company

Your ownership in pizza company

18

Why invest in stocks?

Balance your portfolio

Exposure to different types of stocks

Benefit of long-term growth potential

19

What is a bond?

Lenders/BondBuyers

Amount ofLoan/Bond

Borrower/Bond/Issuer

Company Bond6% Interest — 30 Years

ElectronicsCompany

20

Why invest in bonds?

Income

Balance your portfolio

Moderate growth potential

21

What is a mutual fund?

A mutual fund is a collectioncollection of stock, bond or money market securities. It is owned by many investors who share commoncommon financial goals, and is managed by a professional investment company.

22

How a mutual fund works

An investor in a mutual fund buys sharesshares of the fund, and as such, each share

represents ownershipownership in all the fund’s underlying securities.

Fund holdings

your ownership

in pizza company

your ownership in a pharmaceutical company

your ownershipin electronics

company

23

Why invest in mutual funds?

Professional money management

Pooling your money

Diversification

Low minimum investment

Access to your money

Benefits of stocks and bonds plus

24

Understanding risk

Financial or company risk

Market risk

Economic risk

Inflation risk

Interest rate risk

Credit risk

Currency risk

25

Strategies to reduce risk

Diversify your portfolio

Dollar-cost average

Don’t try to time the market

Stay disciplined

Work with a financial professional

26

Strategy #7:Asset allocate

Asset allocation is the

process of dividing

assets among different

types of investments

such as stocks, bonds,

or cash. Time horizonTime horizon

and risk tolerancerisk tolerance are

key to asset allocation.

Source: Brinson, Singer and Breebower, “Determinants of Portfolio Performance II,” Financial Analyst Journal, May/June 1991.

92% asset allocation

5% security selection

3% market timing/other

27

Strategy #7

Source: Calculated by John Hancock Funds, LL C using information and data presented in ENCORR Software, ©2009 Morningstar, Inc. All rights reserved. Used with permission. This information container herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. The S&P 500 Index is an unmanaged index and cannot be invested in directly. Past performance is not a guarantee of future results. This data is not intended to represent the performance of any John Hancock mutual fund.

Investment risk lessens over time — S&P Index 1926–2008

162.9%

-67.6%

12.3%

43.4%

-42.4%

10.8%

36.1%

-17.4%

10.4%

21.4%

-5.0%

11.0%

19.7%

-0.4%

11.2%

18.3%

1.9%

11.4%

-100%

-50%

0%

50%

100%

150%

200%

1-year 3-years 5-years 10-years 15-years 20-years

Best returns

Worst returms

Average returns

Holding periods, on a rolling basis

28

Strategy #7

The importance of rebalancing

By maintaining target allocations, you add disciplineadd discipline to the process

50% stocks

25% bonds

25% cash

50% stocks

25% bonds

25% cash

60% stocks

30% bonds

10% cash

Initial Target Allocation

Varying Returns Distort Allocation

Target Allocation Restored

29

Strategy #8:Dollar-cost average

Investing at regular intervals helps reduce risks.

Spreading purchases over high and low price periods helps you accumulate more shares at a lower cost.

Adds discipline to the process

Dollar-cost averaging doesn’t guarantee a profit or protect against loss, but it can reduce your overall risk. Such a strategy involves continuous investments in securities regardless of fluctuating prices, and investors should consider their ability to continue purchases through periods of low price levels.

INVESTMENT NAV PRICE SHARES PURCHASED

$100 $10 10

$100 $20 5

$100 $25 4

$100 $25 4

$400 $80 23

Average share cost:

($400 ÷ 23) = $17.39

Average share price:

($80 ÷ 4) = $20.00

30

Strategy #9:Contribute the maximum to retirement plans

Americans are living longer

We retire younger

Traditional pensions are fading

Social security won’t be enough

Saving for retirement is Saving for retirement is more important than ever!more important than ever!

31

Strategy #9

Pay yourself first

Pre-tax contributions

Matching contributions

Painless savings

Tax deferral

Contribute to retirement plans

32

Strategy #9

This example is hypothetical and does not represent any particular investment. Chart assumes $500 invested monthly at 8% for 30 years tax-deferred, with 20% tax rate and 40% tax rate.

33

Strategy #9

Retirement contribution—Maximum limits

2008

IRAs, Traditional or RothIRAs, Traditional or Roth $5,000 + $1,000 catch up

SIMPLE IRAs & SIMPLE 401(k)sSIMPLE IRAs & SIMPLE 401(k)s $10,500 + $2,500 catch up

401(k)s, 403(b)s, 457(b) plans401(k)s, 403(b)s, 457(b) plans $15,500 + $5,000 catch up

Owner only 401(k)sOwner only 401(k)s $45,000 + $5,000 catch up

Note: Catch-up provisions are available only to people 50 years or older. The IRS imposes a 10% penalty for early withdrawal if you are under age 591/2, in addition to regular income taxes.

34

Strategy #10

Financial consultants or planners

Accountants or CPAs

Insurance planners

Attorneys

Give your financial prosperity the financial attention it deserves

You might use several of these You might use several of these experts, or all of them, in the experts, or all of them, in the

course of your lifetime.course of your lifetime.

35

Strategy #10

Clarify your investment goals

Establish a financial plan

Regularly re-evaluate goals and progress

Remain disciplined

A financial professional can help you:

36

Next steps

See where you are now Fill out the Know Where You Stand worksheet

Protect yourself and your family Fill out the emergency checklist Review your insurance

Find out how to go from where you are to where you want to be Sign up for an individual consultation

37

A word about risk

The performance data contained in this presentation represents past performance, which does not guarantee future results. Performance, especially for short time periods, should not be the sole factor in making your investment decisions.

A fund’s investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. Please read the prospectus carefully before investing or sending money.

For prospectuses or for performance current to the most recent month-end, call your financial professional or John Hancock Funds at 1-800-225-5291, or visit our Web site at www.jhfunds.com.

John Hancock Funds, LLC • MEMBER FINRA | SIPC • 601 Congress Street, Boston, MA 02210-2805 • www.jhfunds.comNOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY.

SD10PROVSEM 6/09